They are having a public hearing in Ithaca on opting in to the horrific "Good Cause" legislation that basically gives your private property rights over to the tenant.   

Find a lender and stick with them.  

I have a choice to make on which lender to go with on my rental property refinance, however as I research each lender, I cannot find adequate information about their actual business practices.

Otherwise check out construction financing with a local lender or credit union. 

If you can qualify for it, get a HELOC or HELOAN on those properties.Or find a creative private/hard money lender that can tap into that equity in 2nd lien position or to cross-collateralize them with the purchase of the new property and use that equity towards your cash to close so you can buy that next deal without much cash out of pocket. 

If I am looking for 100k to trade stock and options, where do I find a lender ? 

This is not a mom&pop shop where you might find bad bookkeeping.I don't see how any lender underwrites this in the absence of data. 

Are there any lenders who can lend us at 20% down-payment?

We now have the deposit as non-refundable until they move in at which point it becomes their damage deposit and is refundable when they move out (minus any expenses for damages).

Climate control NRSF is typically between 2-5 fpp; while the non climate control old outdated facilities make up the balance (7-10 fpp) and tip the scales well beyond the 7’ pp rule of thumb.